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Payday & personal loans

SoFi payday & personal loans complaints

Consumers have filed 563 complaints about SoFi's payday & personal loans, 276 in the last 12 months (+57%). SoFi answered 100% on time and closed 10% with relief. See the whole SoFi record.

SoFi against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466

Every lender ranked

Latest SoFi payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Aug 23, 2026Payday & personal loansProblem with the payoff process at the end of the loanCAExplainedYes
Aug 22, 2026Payday & personal loansStruggling to pay your loanFLExplainedYes
Aug 21, 2026Payday & personal loansCharged fees or interest you didn't expectALExplainedYes
Aug 19, 2026Payday & personal loansStruggling to pay your loanINExplainedYes
Aug 19, 2026Payday & personal loansGetting the loanNVExplainedYes
Aug 18, 2026Payday & personal loansCharged fees or interest you didn't expectNYExplainedYes
Aug 18, 2026Payday & personal loansGetting the loanVAExplainedYes
Aug 17, 2026Payday & personal loansGetting the loanNYExplainedYes
Aug 16, 2026Payday & personal loansProblem when making paymentsMAMoney backYes
Aug 15, 2026Payday & personal loansUnable to get your credit report or credit scoreOther problem getting your report or credit scoreCAExplainedYes
Aug 14, 2026Payday & personal loansGetting the loanNYExplainedYes
Aug 14, 2026Payday & personal loansCharged fees or interest you didn't expectMNExplainedYes
Aug 13, 2026Payday & personal loansStruggling to pay your loanTXExplainedYes
Aug 12, 2026Payday & personal loansProblem when making paymentsFLExplainedYes
Aug 11, 2026Payday & personal loansCharged fees or interest you didn't expectNYMoney backYes
Aug 8, 2026Payday & personal loansProblem when making paymentsHIExplainedYes
Aug 6, 2026Payday & personal loansGetting the loanOKExplainedYes
Aug 4, 2026Payday & personal loansProblem with additional add-on products or servicesMIExplainedYes
Aug 4, 2026Payday & personal loansGetting the loanNYFixedYes
Aug 3, 2026Payday & personal loansProblem when making paymentsCAExplainedYes
Aug 3, 2026Payday & personal loansGetting the loanCAExplainedYes
Aug 3, 2026Payday & personal loansStruggling to pay your loanNJExplainedYes
Jul 31, 2026Payday & personal loansProblem with cash advanceAZExplainedYes
Jul 30, 2026Payday & personal loansGetting a line of creditWAExplainedYes
Jul 29, 2026Payday & personal loansProblem when making paymentsNYExplainedYes
Jul 29, 2026Payday & personal loansGetting the loanCAExplainedYes
Jul 27, 2026Payday & personal loansCredit limit changedOHExplainedYes
Jul 25, 2026Payday & personal loansProblem with additional add-on products or servicesFLExplainedYes
Jul 24, 2026Payday & personal loansIncorrect information on your reportAccount status incorrectNCExplainedYes
Jul 23, 2026Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportNCExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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